Save on 1994 Chrysler LHS Insurance Quotes

Want better insurance rates for your Chrysler LHS? Overpriced Chrysler LHS insurance can take a big chunk out of your personal savings and force you to make sacrifices. Shopping your coverage around is free and is an excellent way to tighten up your finances. Online insurance companies like State Farm, Geico and Farmers Insurance persitently shower you with ads and it is difficult to ignore the flying pigs and cute green geckos and find the best price available.

Consumers need to shop coverage around before your policy renews since rates are adjusted regularly by insurance companies. Even if you got the best rates for LHS insurance a few years ago you will most likely find a better rate today. There is a lot of wrong information about insurance on the web, but with this article, you’re going to get some proven techniques to find affordable insurance.

Are you getting all your discounts?

Companies that sell car insurance do not list all available discounts in a way that’s easy to find, so we took the time to find both the well known and the more hidden savings tricks you should be using. If you aren’t receiving every discount available, you are paying more than you should be.

  • E-sign – Some insurance companies may give you up to $50 simply for signing on their website.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class in high school.
  • Save with a New Car – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off for LHS insurance with certain companies.
  • Safety Course Discount – Taking a driver safety course can save you 5% or more if you qualify.

Keep in mind that most credits do not apply to the entire cost. Some only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of companies with discount auto insurance rates, click this link.

Comprehensive Insurance Coverage Comparison

Effectively comparing insurance coverage prices is a ton of work if you aren’t aware of the best way to get rate quotes. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can utilize online quotes to maximize your effort.

Many of the larger companies participate in a marketplace where prospective buyers submit one quote, and at least one company then returns a price quote determined by their information. This prevents consumers from doing form submissions to each company.

To compare pricing click here (opens in new window).

The only drawback to doing it this way is you are unable to specify the insurers to get pricing from. So if you want to select specific insurance companies to compare rates, we put together a list of the cheapest insurance coverage companies in your area. Click here to view list.

It’s your choice how you get your quotes, but compare exactly the same coverage information with each company. If the quotes have unequal deductibles or liability limits it’s impossible to find the best deal for your Chrysler LHS.

Factors determining your Chrysler LHS insurance premium

An important part of buying insurance is that you know the factors that play a part in calculating the price you pay for insurance coverage. Understanding what determines base rates enables informed choices that will entitle you to better insurance coverage rates.

  • Where you live – Living in a rural area is a positive aspect when insuring your vehicles. Fewer drivers translates into fewer accidents. Urban drivers regularly have more traffic problems and a longer drive to work. Higher commute times means more change of being in an accident.
  • Always keep insurance in force – Allowing your insurance coverage policy to lapse will be a guaranteed way to pay more for insurance coverage. And not only will your rates increase, but not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • Consolidate policies to earn discounts – Many insurance companies provide better rates to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even though this discount sounds good, you still need to shop around to ensure the best deal. You may still find better rates by buying insurance from more than one company.
  • Battle of the sexes – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that women are BETTER drivers than men. They both are in accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations such as reckless driving.
  • Safer cars cost less to insure – Vehicles with good safety scores get lower rates. The safest vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Chrysler LHS is rated at least four stars on Safercar.gov it may be receiving lower rates.
  • Your age impacts your rates – Teen drivers tend to get distracted easily when behind the wheel so insurance coverage rates are higher. Older insureds are more responsible, statistically cause fewer accidents and receive fewer citations.

When might I need an agent?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique so this has to be addressed. For example, these questions can aid in determining if your situation would benefit from an agent’s advice.

  • What is covered by UM/UIM coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered when driving someone else’s vehicle?
  • Do I pay less for low miles?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How can I force my company to pay a claim?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

The fine print in auto insurance ads

Drivers get pounded daily by advertisements for cheaper car insurance from the likes of State Farm and Allstate. They all seem to make the same claim about savings after switching your coverage to them.

How can each company say the same thing? This is how they do it.

All companies have a preferred profile for the type of driver they prefer to insure. A good example of a profitable customer might be over the age of 40, insures multiple vehicles, and has a high credit rating. Any new insured that hits that “sweet spot” will get very good rates and therefore will save a lot of money.

Potential customers who don’t qualify for the “perfect” profile will be quoted higher premiums and this can result in the driver buying from a lower-cost company. The ads state “customers who switch” not “people who quote” save that much. This is how insurance companies can confidently advertise the way they do. This emphasizes why it is so important to compare many company’s rates. It’s just too difficult to predict which insurance companies will have the lowest Chrysler LHS insurance rates.

Insurance coverages and their meanings

Knowing the specifics of your insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses such as pain medications, rehabilitation expenses and X-ray expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision insurance

Collision coverage will pay to fix damage to your LHS caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, crashing into a ditch, colliding with another moving vehicle, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Auto liability

Liability insurance will cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like loss of income, pain and suffering and medical expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, vandalism, hitting a bird, damage from a tornado or hurricane and hitting a deer. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Chrysler LHS.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Don’t break the bank

When buying insurance coverage, it’s a bad idea to buy less coverage just to save a little money. Too many times, someone sacrificed collision coverage only to regret at claim time that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Affordable 1994 Chrysler LHS insurance is definitely available both online and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

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